Standard Portfolio Loan Benefits Down payment as low as 3% No private mortgage insurance (PMI) Minimum credit score 580 Can be combined with down payment assistance if available No income or purchase price limits Ready to get started? Our experienced home lending team is here to help. We'll talk with you to understand your home-buying goals and your financial picture. When you meet with your loan officer, it's helpful to bring the following items (for yourself and your spouse or co-borrower): Photo ID Tax returns (two most recent years) W2s (two most recent years) Pay stubs (two most recent pay cycles) Bank statements (two most recent months) Contact Us